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Consumer Lending in the Netherlands

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    Report

  • 15 Pages
  • January 2025
  • Region: Netherlands
  • Euromonitor International
  • ID: 2398476
Consumer lending continued to suffer from downwards pressure in the Netherlands in 2024, due to ongoing regulations from the Netherlands Authority for the Financial Markets (AFM), along with national banks such as De Nederlandsche Bank (DNB), and other regulators. These regulations aim to reduce the credit burden and make sure no unsustainable loans are issued.

The Consumer Lending in Netherlands report establishes the size and structure of the market for ATMs cards, smart cards, credit cards, debit cards, charge cards, pre-paid cards and store cards. It looks at key players in the market (issuers and operators), number of cards in circulation, numbers transactions and value of transactions. It offers strategic analysis of sector forecasts and trends to watch.

Product coverage: Consumer Credit, Mortgages/Housing.

Data coverage: Market sizes (historic and forecasts), company shares, brand shares and distribution data.

Why buy this report?

  • Get a detailed picture of the Consumer Lending market
  • Pinpoint growth sectors and identify factors driving change
  • Understand the competitive environment, the market’s major players and leading brands
  • Use five-year forecasts to assess how the market is predicted to develop.

Table of Contents

EXECUTIVE SUMMARY
  • Consumer lending in 2024: The big picture
  • 2024 key trends
  • Housing market starts to pick up again, although growth is suppressed by the low number of houses on offer
  • BNPL sees new EU-wide regulations coming into play
  • What next for consumer lending?
MARKET DATA
  • Table 1 Consumer Lending: Outstanding Balance by Category: Value 2019-2024
  • Table 2 Consumer Lending: Outstanding Balance by Category: % Value Growth 2019-2024
  • Table 3 Consumer Lending: Gross Lending by Category: Value 2019-2024
  • Table 4 Consumer Lending: Gross Lending by Category: % Value Growth 2019-2024
  • Table 5 Consumer Lending: Non-performing vs Other Loans Outstanding Balance: % Value 2019-2024
  • Table 6 Mortgages/Housing: Non-performing vs Other Loans Outstanding Balance: % Value 2019-2024
  • Table 7 Consumer Credit: Non-performing vs Other Loans Outstanding Balance: % Value 2019-2024
  • Table 8 Card Lending: Non-performing vs Other Loans Outstanding Balance: % Value 2019-2024
  • Table 9 Forecast Consumer Lending: Outstanding Balance by Category: Value 2024-2029
  • Table 10 Forecast Consumer Lending: Outstanding Balance by Category: % Value Growth 2024-2029
  • Table 11 Forecast Consumer Lending: Gross Lending by Category: Value 2024-2029
  • Table 12 Forecast Consumer Lending: Gross Lending by Category: % Value Growth 2024-2029
DISCLAIMER
SOURCES
  • Summary 1 Research Sources
CONSUMER CREDIT IN THE NETHERLANDSKEY DATA FINDINGS
2024 DEVELOPMENTS
  • Non-card lending sees negative pressure due to increased focus on responsible credit and enforcement of credit rules
  • BNPL providers under pressure to make loans more sustainable and stop minors taking out credit
  • Education lending affected by return of the Basisbeurs
PROSPECTS AND OPPORTUNITIES
  • Auto lending and home (renovations) lending projected to be positive
  • New BNPL and card lending regulations will create impacts over the forecast period
CATEGORY DATA
  • Table 13 Consumer Credit: Outstanding Balance by Category: Value 2019-2024
  • Table 14 Consumer Credit: Outstanding Balance by Category: % Value Growth 2019-2024
  • Table 15 Consumer Credit: Gross Lending by Category: Value 2019-2024
  • Table 16 Consumer Credit: Gross Lending by Category: % Value Growth 2019-2024
  • Table 17 Forecast Consumer Credit: Outstanding Balance by Category: Value 2024-2029
  • Table 18 Forecast Consumer Credit: Outstanding Balance by Category: % Value Growth 2024-2029
  • Table 19 Forecast Consumer Credit: Gross Lending by Category: Value 2024-2029
  • Table 20 Forecast Consumer Credit: Gross Lending by Category: % Value Growth 2024-2029